{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-047276","form_type":"8-K","ticker":"RBCAA","cik":"0000921557","company_name":"REPUBLIC BANCORP INC /KY/","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.937646+00:00","generated_at":"2026-05-15T04:46:39.798855+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Republic Bancorp Q1 earnings: net income $42.6M, adjusted EPS $2.04 up 3%; Core Bank margin expands","bullets":["Net income $42.6M (diluted EPS $2.18), down 10% YoY; adjusted net income $39.9M (adj. EPS $2.04) up 3%.","Core Bank net interest income $63.2M (+12%), net interest margin 3.96% (+26 bps); Traditional Banking and Warehouse Lending led growth.","RPG net income $18.8M (-37%) due to nonrenewal of large TRS Tax Provider contract (-$8.4M after-tax impact).","Notable items: $4.4M after-tax gain on sale of Republic Bank Finance, $1.8M penalty for early FHLB advance payoff.","Core Bank credit quality stable: NPL ratio 0.61%, net charge-offs annualized 0.03%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-047276","json":"https://secwatch.observer/filing/0001104659-26-047276.json","markdown":"https://secwatch.observer/filing/0001104659-26-047276.md","text":"https://secwatch.observer/filing/0001104659-26-047276.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/921557/000110465926047276/0001104659-26-047276-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/921557/000110465926047276/rbcaa-20260423x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:46:39.798855+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"d858d7b7f392058c462f659d7cbea51cd0226995","claim":"REPUBLIC BANCORP INC /KY/ reported the quarter ended March 31, 2026 results: net income $42.6 million, EPS $2.18 per share.","evidence_excerpt":"Republic Bancorp, Inc. (“Republic” or the “Company”) reported first quarter 2026 net income and Diluted Earnings per Class A Common Share (“Diluted EPS”) of $42.6 million and $2.18 per share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/921557/000110465926047276/0001104659-26-047276-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Net income","value":"$42.6 million"},{"label":"EPS","value":"$2.18 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}